PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers State Bank&Trust Co.

Aurora, NE · Cert 14066

FDIC

Q2 2000

$59.4MAssets
$30.5MLoans
$53.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.30%, down 35 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 56.97% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.30%-35 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.43%1.41%1.98%1.65%1.59%1.54%1.30%1.30%-35 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-4.96%5.06%5.74%5.89%7.28%-2.10%-0.38%-2.91%-880 bps
Loan Growth (YoY)6.33%6.26%1.45%1.23%0.90%-3.08%-0.16%-0.76%-199 bps
Deposit Growth (YoY)2.40%5.42%6.05%9.11%3.43%-1.64%1.17%-3.39%-1,250 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits61.70%55.32%50.71%55.46%60.20%54.51%50.05%56.97%+151 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a